So why aren't people protecting themselves, their family or their income? We think it's because advisors are not having the conversation. Here are the 6 most eye opening facts that should have your clients signing up for DI tomorrow.

Disability Insurance Facts

Women are more likely than men to be out of work for more than 3 months. Because of increased risk of heart disease and child-birth, women are more likely to be out of work. Did you know that Maternity Leave is considered a disability and can be covered by short term DI?

Every 7 seconds someone in the U.S. suffers an illness or accident that will keep them out of work for more than one month. These unexpected events could happen to anyone at any time. Let your clients know that it is crucial for them to be protected in the event of something unexpected happening.

Most Americans are better prepared financially to die than to become disabled, although the chances of disability are three to five times greater than death. Much like talking about life insurance, talking about DI can be difficult. No one wants to talk about death or serious illness/injury, however it is an important conversation to have.

Back injuries and disorders are one of the most commonly cited issues for DI. This is not just limited to clients who have physical jobs. These injuries can pop up out of nowhere doing even the most common task.

A 35-year-old has a 50 percent chance of becoming disabled for a 90-day period or longer before age 65. As the average retirement age pushes further and further back this is an issue that is only going to get more prevalent.

68% of Americans say that most people need disability insurance and yet only 30% have it. This number can change by having this conversation with your clients. Make sure that they are protecting their families and their livelihoods by preparing for the unexpected.